Everything you need to use Mo with confidence.

Mo is a self-custodial USDC superapp with three parts: Money, Life, and Rewards. Money helps you grow and move USDC with Earn, Trade, Send, receive, and bank rails. Life lets you spend it on Travel. Rewards connect the two with Mo Points and Mo Plus.

USDC is Mo’s hero asset: a digital dollar designed to stay close to one US dollar. Trade also supports crypto, Coinbase tokenized US stocks, and fiat-pegged stablecoins where available. Mo is a self-custodial brokerage-style route, not a trading venue or exchange.

Mo Plus is a fixed-term membership bought on its dedicated screen for 30 or 360 days with USDC, Mo Points, or both. It does not renew automatically. Plus increases Travel points accrual, reduces Mo integration fees on Trade and Relay routes, and halves the bank-withdrawal fee. It is not a bank product.

Mo is self-custodial: you keep control of your keys and wallet funds. Your USDC lives in your wallet on the blockchain, not on Mo’s servers. When you use bank money-in or money-out, funds may pass briefly through regulated banking partners during settlement, and identity verification applies only where fiat touches a bank.

Mo does not charge for holding USDC or using direct supported receive and send rails. Trade has a conversion fee. Relay routes can include third-party network or routing costs, and Free members can also pay the configured Mo surcharge shown in the quote; Plus removes Mo’s surcharge, not third-party costs. Bank withdrawals have a separate fee. Mo Points can offset that fee, reduce Travel checkout prices, or buy Mo Plus.

Peer-to-peer sends between Mo users have no minimum from Mo. Bank-rail deposits and withdrawals may have partner minimums (often around $1). Check in-app limits for your rail and region.

Next-day ACH can take 1–3 days. Same-day ACH sent before 4:00 PM EST may arrive that day. Wires often land within a few hours if received before 5:00 PM EST. USDC transfers on Base are near-instant.

If your bank triggers a microdeposit verification, notifications are sent to your registered email or via push notifications. It typically takes 1 day for the small amounts to arrive. The required 3-letter code (common with Plaid) is available in the transaction descriptor on your statement.

Please reach out to Mo support at support@mo.xyz and avoid contacting banking partners directly. To expedite your request, please provide a Trace ID (for ACH) or an IMAD number (for Wires) from the sending bank so we can track the transaction.

Earn yield is real USDC that accrues from a vault position, and it is yours to withdraw. Mo Points are a rewards balance worth $0.01 each inside Mo: they do not expire, but they cannot be withdrawn or turned into cash.

Free members pay a 0.10% Mo integration fee on a trade and Mo Plus members pay 0%. The vendor conversion cost and the network cost are separate and apply either way. The quote shows the total before you confirm.

Coinbase Tokenized Stocks are offered under Regulation S, so eligible non-US persons only. US persons and restricted jurisdictions cannot buy them. How tokenized stocks work.

No. Insights entries are generated by Mo’s AI pipeline from web sources, with citations, and Mo never gives advice in its own voice. AI content can contain errors, so verify anything independently before acting on it. How Insights works.

There is no fee on your principal. Mo takes 10% of the yield on Earn Access and Earn Max and 0% on Earn Pro, enforced in the vault smart contract. More on the tiers.

No. Once a blockchain transaction is confirmed it cannot be undone or recalled, so check the address and the amount before you send. Why transactions are final.